“Your
Retirement Plan Experts”
Advanced Benefits Consulting
11400 Concord Village Avenue, Suite F
St. Louis, Missouri 63123
314-450-7380
www.abc401k.com
OUR MISSION…
“To ensure that each and every plan participant is financially
secure for retirement.”
To accomplish our mission, we provide a level of service that is
so distinguishable that our clients recognize it and our
competitors must strive to meet it.
Why You Should Select
Advanced Benefits Consulting
As your Retirement Plan Expert.
 Increased employee appreciation, understanding and awareness
of the value of the retirement plan program. Proof of our success
is exhibited by consistent increases in both employee
participation and deferral rates.
 Access to every investment platform in the qualified plan
marketplace, which allows us to exercise complete objectivity.
 Ability to reduce the burden on your staff. Advanced Benefits
Consulting will be part of your team, allowing your staff to spend
their time and energy on your business operations.
 Analysis of Plan Design. This results in maximizing contributions
for Key employees, while ensuring that the financial resources
committed to your retirement benefit is used most efficiently.
 We identify fiduciary responsibilities and assist with the
establishment of programs to meet those duties.
Advanced Benefits Consulting
Our team is devoted to providing each client with a unique
Qualified Plan solution tailored specifically for their business model.
Our resources and experienced staff enable us to provide you with
expertise in each step of the retirement plan process. A review of your
employee benefit package allows us to maximize the efficiency of your
plan while creating a powerful tool that will help attract and retain
loyal, appreciative employees.
We work closely with you to customize each aspect of your Qualified
Plan to ensure that specific goals are met. The result is a cost-effective,
tax efficient plan that allows you to reward employees that have the
greatest impact on the financial success of your business.
Our Full-Service
Administration Includes:
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Comprehensive plan design
Complete plan document and summary plan description services
Communication/educational programs
Calculation of minimum, maximum and optimal employer contributions
Perform all required compliance testing
Prepare annual IRS reports
Innovative tax saving
“Peace of Mind” on compliance and fiduciary matters
Our Consulting Service Includes:
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Annual review of the plan structure
Technical updates
Assistance with fiduciary compliance
Compliance and due diligence review
Correction of compliance failures
- Two staff members are licensed to practice before the IRS
SERVICE SO DISTINGUISHABLE OUR COMPETITORS
STRIVE TO ACHIEVE IT.
Types of Qualified Plans Available:
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Profit Sharing Plans
401(k) Profit Sharing Plans
Target Benefit Pension Plans
Money Purchase Pension Plans
Defined Benefit Pension Plans
 Cash Balance Plans
 412(i) Defined Benefit Plan
 403(b) Plans
Allocation Formulas
Other Employee Benefits Offered:
Traditional
Integrated
Cross-Tested
-New Comparability
-Age-Weighted
Non-Qualified Deferred Compensation Plans
Cafeteria Plans (Section 125)
Health & Welfare Benefit Plans
Many Other Services Available
Karen M. Wilund, CPA, MST
Owner
Before forming Advanced Benefits Consulting, Karen was the
Director of Employee Benefits at Benefit Plans Plus L.L.C. (BSW) in St.
Louis. There she administered over 200 retirement and health and
welfare plans in addition to consulting on the design, implementation
and ongoing qualification of plans.
Karen’s experience ranges from developing retirement plans for small,
privately owned businesses to performing due diligence for pension
plans during mergers and acquisitions of large corporations. She also
designs non-qualified deferred compensation plans, and reviews plans
for compliance issues.
Karen has 31 years of industry and public accounting experience and
has served as a consultant for AON, one of the largest international
employee benefit consulting firms.
Karen received her B.S. in Accounting from the University of MissouriColumbia and her M.S. in Taxation from Fontbonne University in St.
Louis. She is a licensed insurance agent, and as a member of the
American Institute of Certified Public Accountants has served on the
Employee Benefits Plan Committee. She is also a member of the
American Society of Pension Professionals & Actuaries.
Meet some key players of
“Our Team”
Biographies:
Advanced Benefits Consulting is
comprised of professionals with varied
experience in the field, including:
Melissa Lubiewski
Client Relationship Manager
Melissa began her career with Advanced Benefits Consulting in
February of 2003 as an assistant to the Plan Administrators. She has
since progressively advanced through several positions including Plan
administrator and Office Manager. Her responsibilities have changed
over time as the business continues to change and evolve. She plays an
integral role in the success of Advanced Benefits Consulting. Melissa is
currently the Client Relationship Manager and holds the FINRA Series 6
and 63 licenses. She is also working towards a Certified Financial Plan
Consultant (CFPC) designation. Melissa is responsible for educational
and enrollment meetings, annual client account reviews and general
client support.
Cory Newman
Director of Business Development
Cory is the Director of Business Development for Advanced
Benefits Consulting. Cory was a Financial Representative for
Northwestern Mutual for over 7 yrs. before joining our team. He has a
Series 6 & 63 License and is Life and Health insurance licensed and is
also working towards a Certified Financial Plan Consultant (CFPC)
designation. Cory is a graduate of Southern Illinois University
Carbondale where he received an athletic scholarship to be a member
of the SIUC Baseball Team. While attending SIUC, Cory obtained his
Bachelors of Science Degree, with a major in Marketing and minor in
Management.
Deanna Schmidt
Sr. Administrator
Deanna joined Advanced Benefits Consulting in October of 2011.
Deanna is a Plan Specialist with over 18 years of experience in Qualified
Benefit Plan Administration. Prior employers include Aon Consulting,
Qualified Benefits Consultants, General American, and Mercantile Bank.
Deanna has held many leadership roles in her career including
supervisory and team leader positions. She prides herself on excellent
client communication and satisfaction. Deanna is currently studying to
complete the QKA certification.
Annette Matifes, QKA
Sr. Administrator
Annette is a Plan Specialist at Advanced Benefits Consulting. She
has over 18 years of experience in the administration of employee
benefit plans. Before joining Advanced Benefits Consulting, Annette was
employed with Retirement Plan Services, LLC, BSW Benefit Plans Plus,
LLC and Aon Corporation as a Plan Specialist. Annette is a graduate of
Southern Illinois University at Edwardsville, Illinois, where she obtained
a Bachelors of Science Degree in Business Administration with a
specialization in Data Processing and a minor in Psychology.
Larry Aberle, APM
Plan Document Specialist
Larry joined Advanced Benefits Consulting in December of 2006.
Larry has more than 30 years of experience in income taxation, pension
administration and consulting. BSW Benefit Plans Plus, LLC was
organized during 1998 when he merged his third party administration
firm, Benefit Plans Plus, Ltd., with the retirement plan division of Brown
Smith Wallace. Larry was the managing member of BPP until his
retirement in December 2006. A graduate of the University of North
Dakota, Larry holds a Bachelor of Science degree in accounting. He is an
Associated Professional Member (APM) of the American Society of
Pension Professionals and Actuaries (ASPPA).
Advanced Benefits Consulting
Contact Information:
Karen M. Wilund, CPA, MST
Owner
314-450-7380
karens@abc401k.com
Melissa Lubiewski
Client Relationship Manager
314-450-7381
melissal@abc401k.com
Cory Newman
Director of Business Development
314-450-7382
coryn@abc401k.com
Advanced Benefits Consulting
11400 Concord Village Avenue, Suite F
St. Louis, Missouri 63123
(314) 450-7380
www.abc401k.com